EPF Interest for FY 2024–25 Credited at 8.25%? How to Check Your Balance

In February 2025, the Central Board of Trustees of the EPFO recommended setting the interest rate at 8.25%. This proposal was later approved by the Finance Ministry, and the rate is now officially in effect.

As per news reports, the Employees’ Provident Fund Organisation (EPFO) has started crediting interest for the financial year 2024–25 into members’ provident fund accounts.

However, no official emails or SMS notifications have been sent out yet regarding the credit of this interest. To verify whether the interest has been credited to your account, you can check your EPF passbook.

Please note that in the past few weeks, the EPFO website has been intermittently down. If you’re unable to access your passbook, you may need to keep checking the website regularly.

Steps to Check Your EPF Interest

Here’s how to check whether your EPF interest has been credited:

• Go to the EPFO website at epfindia.gov.in.
• Navigate to Services > For Employees > Member Passbook, or you can go straight to the passbook link.
• Log in using your UAN, password, and the captcha code.
• You’ll find all your member IDs listed, showing accounts linked to your past and current employers.
• Select your current member ID to view your passbook.
• The passbook will show separate details for your contributions, your employer’s contributions, and the interest earned. You can also download the passbook as a PDF file.

Note: If your old employer’s member ID hasn’t been merged, its balance may appear as zero. You can merge it by submitting a transfer request online.

What If the Interest Isn’t Showing?

At times, even after the interest has been credited, it may not show up immediately in your passbook. You can:

• Wait a few days and check again later.
• If the interest still isn’t visible, submit an online complaint through the EPFO portal or get in touch with your nearest EPFO office for assistance.

Read more: EPFO 3.0: How Much Time Will EPF Withdrawal Claim Take to Be Settled?

Important Points to Remember About EPF Interest

• Interest is based on your account’s average yearly balance.
• The employer’s pension fund share doesn’t earn any interest.
• If you withdraw money, interest is added only up to the withdrawal date.
• The interest stays tax-free if your annual contribution doesn’t exceed ₹2.5 lakh, according to the old tax rules.

Conclusion

If you are an EPF member, now is the time to check your passbook and confirm your 8.25% interest has been credited. If you don’t see it yet, stay patient—it should reflect soon. If needed, use the EPFO portal or contact their office for support.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.